Traditional Debt

We prefer to the purchase of non-bankrupt, charged-off consumer accounts as our traditional debt business. Once accounts are purchased, we sort them and attempt collection using a variety of techniques. We optimize our collections by primarily relying on our own call centers. Proper underwriting of these accounts is difficult and requires extensive knowledge of the characteristics that predict cash flow. This knowledge is applied to a wide combination of customer demographic characteristics. Our highly experienced statisticians and analysts estimate the value of each account using models built on performance data gathered from over 1,000 purchased portfolios. We have developed an enviable track record of being able to accurately predict results. We believe that this has given us a competitive edge in pricing portfolios and has helped us to avoid unnecessary portfolio write-downs based on performance deviation.

Core Values

Core Values

Teamwork, Execution, Urgency, Ethics, and Achievement

We are a winning team

We believe we will succeed only as a team and that the full participation of all is essential to the fulfillment of our mission. We will create an environment of mutual respect, candor and trust; where all can reach their fullest potential; where individual initiative and performance are recognized and rewarded; and where a winning attitude prevails.

We Do the Right Things

We handle our customer interactions with understanding and professionalism. We are always tough, but fair, with business partners and vendors. We do not cut corners or jeopardize our reputation. We treat customers ethically and with respect. Every job is done excellently. We are proud of the work we produce. We are great at the details. We handle complicated processes well. We never forget the little things.

We Act With a Sense of Urgency

We believe that speed of action, flexibility, hard work and an aggressive determination to get things done are characteristics of every winning team and critical to our success. We walk fast, work fast, and get more accomplished.

CMA Association inc, "CMA"

CM Association, Inc. "CMA", purchases and manages portfolios of defaulted and delinquent consumer receivables. The Company combines a disciplined approach to portfolio acquisitions with a long-term view of collections and a commitment to continuous innovation. We have created a rewarding organization for our employees, who produce exceptional results for our investors and clients alike.

CMA specializes in both consumer and commercial collection services. We are committed to promptly and vigorously recovering funds using our extensive knowledge of debt collection laws, proven debt-recovery techniques, utilization of highly sophisticated computer systems and backed by years of experience in consumer and commercial debt collection.

CMA is committed to high standards and is driven to recover money as quickly as possible. The CMA recovery collection staff is highly skilled at applying a performance based recovery collection techniques.

Our Focus:

CM Associtation, Inc. operates by focusing on the following:

Debt Purchase:

 

We acquire portfolios of charged-off consumer and commercial debt at a discount and seek to collect a multiple of our purchase price over the economic life of a portfolio.

Skip Location:

 

We locate collateral and coordinate asset recovery for auto loan issuers and servicers.

Office Photo, Title 23 - and location address